Complete this text with words from Copposite. Most financial institutions offering Internet-based products should use (1) authentication to reduce the risks of account fraud and identity theft.
At present, most authentication methodologies involve three basic factors:
• Something the user knows (e.g. a (2)
institution) Something the user has (e.g. a (3)
identification number generator)
Something that shows who the user is, i.e. (4).
the confidential number given by the
the keyring-like
authentication (e.g. a.
fingerprint).. Authentication methods that depend on more than one factor are more reliable; for
example, the use of a (5)
a TAN (something the
user knows) to log in, and then a token (something the user has) to transfer funds.
Adapted from Federal Financial Institutions Examination Council
